Call reports 2008
STATE BANK & TRUST COMPANY — 2008
What STATE BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 86,233,000 | 86,750,000 | 90,577,000 | 94,774,000 |
| Total loans | 65,904,000 | 65,191,000 | 64,103,000 | 66,656,000 |
| Allowance for loan losses | 819,000 | 795,000 | 804,000 | 690,000 |
| Securities available for sale | 10,419,000 | 10,747,000 | 11,210,000 | 17,084,000 |
| Securities held to maturity | 502,000 | 502,000 | 500,000 | 813,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,881,000 | 77,407,000 | 81,186,000 | 85,401,000 |
| Interest-bearing deposits | 60,975,000 | 61,624,000 | 61,062,000 | 63,623,000 |
| Noninterest-bearing deposits | 15,906,000 | 15,783,000 | 20,124,000 | 21,778,000 |
| Equity capital | 8,383,000 | 8,319,000 | 8,388,000 | 8,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,390,000 | 2,681,000 | 3,909,000 | 5,142,000 |
| Interest expense | 357,000 | 620,000 | 866,000 | 1,110,000 |
| Net interest income | 1,033,000 | 2,061,000 | 3,043,000 | 4,032,000 |
| Noninterest income | 115,000 | 241,000 | 367,000 | 489,000 |
| Noninterest expense | 819,000 | 1,654,000 | 2,482,000 | 3,422,000 |
| Provision for loan losses | 0 | 6,000 | 36,000 | 64,000 |
| Pretax income | 329,000 | 649,000 | 902,000 | 1,061,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 329,000 | 649,000 | 902,000 | 1,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,191,000 | 8,286,000 | 8,314,000 | 8,226,000 |
| Total capital | 9,010,000 | 9,081,000 | 9,118,000 | 8,915,000 |
| Risk-weighted assets | 69,902,000 | 69,436,000 | 67,579,000 | 70,463,000 |
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